Isleton is a tiny historic Delta town on the Sacramento River in southern Sacramento County, once a booming asparagus-canning and Chinese-American cannery hub and now a quiet destination for boaters, anglers, and Delta tourists. Its compact Downtown Isleton retains vintage brick-and-wood commercial buildings and river cottages, while the surrounding reclaimed islands of Brannan Island, Andrus Island, and Tyler Island are working agricultural land laced with levees and sloughs. The economy leans on farming, river recreation, and small commercial serving weekend visitors, so investor activity here revolves around ag land, small commercial repositioning, and character homes rather than volume residential development.
Fidelity Funding lends directly across the Delta and the broader Sacramento region, and because our loans are asset-based we size deals on the property and the plan rather than a borrower's income history. That flexibility fits Isleton, where financing needs range from riverfront cottages to farmland and downtown storefronts. We close in as little as five to seven business days, fund a wide range of asset types, and structure bridge and small commercial loans suited to a Delta market that conventional lenders often overlook, including properties around Brannan Island and the historic downtown core.
Isleton's combination of $312K-range housing basis and steady working-population rental demand produces some of the cleaner DSCR yields in California.
Most Isleton files we fund are DSCR rental holds against a $312K-range entry basis with steady working-population tenant demand. Local pocket coverage includes Downtown Isleton, Brannan Island, Andrus Island, Tyler Island and adjacent Isleton submarkets.
Estimated local median: $312K · Typical loan range: $203K – $390K · Top program: DSCR rental and small commercial
Most Isleton private money loans we fund range from $203K to $390K, sized against an estimated local median around $312K. Loans outside that range are case-by-case based on parcel and scope.
For Isleton, our highest-volume program is DSCR rental and small commercial. We also fund bridge, construction, commercial, and DSCR rental scenarios in this market.
We fund Delta agricultural land, small commercial and mixed-use buildings downtown, and vintage river cottages, underwriting the asset and plan rather than income documentation.
Yes. Reclaimed island farmland on Brannan, Andrus, and Tyler Islands fits our asset-based approach, and we structure loans conventional lenders often decline.
As fast as five to seven business days once title and appraisal clear, since as a direct lender we make our own decisions.
It is modest and largely recreation-driven, so character cottages can serve river-tourism rentals, though investors should confirm local rules before relying on nightly rentals.
Fidelity Funding Corp · Direct California private money lender since 2006
450 N Brand Blvd, 6th Floor · Glendale, CA 91203 · Mon-Fri 8AM-6PM PT